DEPOSITS (Tables)

9 Months Ended

Sep. 30, 2013

Banking and Thrift [Abstract]

Schedule Of Deposit Liabilities Disclosures [Table Text Block]

The components of the outstanding deposit balances at September 30, 2013 and December 31, 2012 were as follows:

	September 30,		December 31,
	2013		2012
Non-interest-bearing DDA	$	31,700,054	$	40,271,190
Interest-bearing DDA		25,738,324		22,865,704
Money market		21,524,818		18,602,302
Savings		8,157,419		9,018,387
Time, under $100,000		66,976,766		83,416,175
Time, over $100,000		9,471,078		10,002,735
Total Deposits	$	163,568,459	$	184,176,493